Product Advisor III - REBA

PNC Bank • Philadelphia, PA

8d • Onsite

About The Position

At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company’s success. As a Product Advisor III -REBA within PNC's Private Bank organization, you will be based in Philadelphia, PA or Pittsburgh, PA. The Product Advisor III supports the Private Bank in the evaluation and execution of investment real estate lending as part of a broader client strategy. This is a client-facing role that works closely with Banking Advisors and the Credit team, partnering from initial client conversations through deal closing. The ideal candidate will possess strong credit skills and a deep understanding of the investment real estate landscape, including underwriting practices and associated risks. Excellent collaboration and communication skills, along with strong attention to detail, are essential for success in this role. This position will support advisors across the territory, with primary coverage expected to include the Midwest and West regions. PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.

Requirements

• Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
• Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.
• Client Relationship Management
• Decision Making and Critical Thinking
• Effective Communications
• Knowledge of Underwriting
• Managing Multiple Priorities
• Products and Services
• Real Estate Market Analysis
• Real Estate Sales Closings and Agreements
• Value Selling
• Roles at this level typically require a university / college degree.
• Industry relevant experience is typically 8+ years.

Nice To Haves

• Higher level education such as a Masters degree, PhD, or certifications is desirable.
• Specific certifications are often required.
• In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.

Responsibilities

• Acts as an experienced advisor to clients and internal partners on investment real estate transactions.
• Evaluates real estate opportunities by assessing property fundamentals, sponsor strength, cash flow durability, market dynamics, and structural risks, and determining alignment with PNC’s credit policy and risk tolerance.
• Leads client discussions related to deal feasibility, structure, and risk considerations, representing PNC’s perspective clearly and consistently.
• Partners closely with Banking Advisors, Underwriting, Product, and Credit Risk teams to shape solutions that meet client objectives while appropriately mitigating credit, concentration, and operational risk.
• Provides early-stage deal screening and feedback, identifying potential issues and structuring considerations before formal credit submission.
• Supports underwriting by contributing real estate-specific insight on valuation, market trends, property performance, and downside scenarios.
• Maintains a strong understanding of real estate markets, asset classes, sponsor behavior, and competitive dynamics to identify emerging opportunities and risks.
• Represents PNC in select client meetings, internal forums, and industry events, as appropriate, to support relationship development and thought leadership.
• Supports pre- and post-approval due diligence and closing processes including ordering appraisals, insurance, environmental, and collecting appropriate documents and financials to ensure smooth deal execution.
• Collaborates on pipeline and portfolio management activities throughout the life of the loan (opportunity identification, application, origination, annual reviews, renewals, modifications, etc.).
• Coaches and develops Banking Advisors to build foundational real estate lending skills.
• Assists in business development of IRE deals, e.g., reviewing current Books of Business and eMoney profiles, etc. in partnership with Business Owner Solutions.

Benefits

• PNC offers a comprehensive range of benefits to help meet your needs now and in the future.
• Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives.
• In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service.
• To learn more about these and other programs, including benefits for full time and part-time employees, visit pncthrive.com .

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level